Welcome to The Benefit Whisperer with Ralph Weber from Route Three, a full-service financial services firm specializing in all facets of insurance and advanced financial and estate planning needs. In this podcast, Ralph will share his expertise and insights to help business owners and employers maximize their investments in the face of the ever-rising cost of healthcare and benefits packages. Route Three partners with businesses like yours to keep these costs to a minimum, so you can continuously offer amazing benefits to your talented team! A key aspect of our business is working with our clients through in-depth discussions about...
Blind Trust in Healthcare Is Costing Employers Millions (Ep. 45)
34 mins; March 16, 2026
The “HOME TEAM” Gets Paid 160x MORE. Is That Fair? (Ep. 45)
22 mins; March 03, 2026
How to Appeal the 850 Million Claims that are Rejected Every Year and Win 70 to 90% of the Time (Ep. 44)
52 mins; February 24, 2026
Money From Sick People: How PBMs Use AWP, Spread, and Rebates to Inflate Drug Costs (Ep.43)
44 mins; February 10, 2026
ERISA’s Next Battlefield: Voluntary Benefits Lawsuits, Broker Commissions, and Fiduciary Exposure (Ep. 42)
44 mins; January 28, 2026
Chris Deacon Unpacks the Benefits System; It’s not Broken, It’s Rigged. (Ep. 41)
35 mins; January 20, 2026
How Insurance Ate Healthcare: Complexity is the Business Model
32 mins; January 12, 2026
How Insurance Ate Healthcare: The $1.7 Trillion Administrative Explosion (Ep. 39)
33 mins; January 06, 2026
The Price is WHAT? (Ep. 38)
26 mins; December 23, 2025
How Insurance Ate Healthcare: A Century of Healthcare Mistakes (Ep. 37)
27 mins; December 15, 2025
What If Your Most Valuable Health Plan Asset Is the Data You’ve Never Seen? (Ep. 36)
31 mins; December 01, 2025
Happy Thanksgiving from The Benefit Whisperer
3 mins; November 25, 2025
The Rebate Racket: Why Employers Are Still Getting Fleeced (Ep. 35)
32 mins; November 17, 2025
From Bankrupt to Bulletproof: Why Critical Illness Coverage Matters Now (Ep. 34)
34 mins; November 10, 2025
$1 Trillion in WasteHealthcare Contracts and Digital Legos (Ep. 33)
29 mins; November 03, 2025
Are PPO’s the Problem? Here’s What They Don’t Want You to Know. (Ep. 32)
27 mins; October 27, 2025
Trust, But Verify: Why Your TPA May Be Selling Your Employees’ Data (Ep. 31)
25 mins; October 20, 2025
The PBM Princess: From Rebate Myths to Deception, How PBMs Hide True Costs
27 mins; October 13, 2025
What If You Could Pay the Hospital with a QR Code? (Ep. 29)
28 mins; October 07, 2025
Fiduciary Failures & The Great American Healthcare Heist: How Employers Are Being Played (Ep. 28)